The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
For example, you might. decide not to buy if you already have life insurance in a sufficient amount to pay back the loan if you die. before the money is repaid. But the choice is yours. Insurance that covers such a loan is known as credit life/credit disability. Some policies cover only life, some.